 You may not have to change your rate for 15 years. Now, if you're a first-time buyer, you've come to the right place. They've got conventional loans. They've got federal housing administration loans. And, of course, these are really popular with younger homebuyers because they typically have smaller down payments requirements and are more flexible income rules and are more lenient in their credit standards. If you've served your country or are serving your country, they have VA loans.